The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,055
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$508/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$486/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$609/mo
Today · 4.125%
HK$20,474
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,948/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$583/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$711/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$681/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,746
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$913/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$875/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,228 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).